Symbols / ACIC $11.73 +0.95% American Coastal Insurance Corporation

Financial Services • Insurance - Property & Casualty • United States • NCM
ACIC Chart
About

American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Insurance - Property & C Market Cap 570.74M
Enterprise Value 496.60M Income 106.80M Sales 335.44M
Book/sh 6.59 Cash/sh 4.57 Dividend Yield —
Payout 0.00% Employees 68 IPO —
P/E 5.46 Forward P/E 7.59 PEG —
P/S 1.70 P/B 1.78 P/C —
EV/EBITDA 3.25 EV/Sales 1.48 Quick Ratio 0.49
Current Ratio 1.05 Debt/Eq 48.02 LT Debt/Eq —
EPS (ttm) 2.15 EPS next Y 1.54 EPS Growth 4.26%
Revenue Growth 9.00% Earnings 2026-05-07 ROA 8.01%
ROE 38.61% ROIC — Gross Margin 57.11%
Oper. Margin 46.23% Profit Margin 31.85% Shs Outstand 48.34M
Shs Float 24.19M Short Float 5.80% Short Ratio 1.86
Short Interest — 52W High 13.06 52W Low 9.97
Beta -0.61 Avg Volume 238.37K Volume 362.05K
Target Price $14.00 Recom Buy Prev Close $11.62
Price $11.73 Change 0.95%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$14.00
Mean price target
2. Current target
$11.73
Latest analyst target
3. DCF / Fair value
$24.98
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$11.73
Low
$14.00
High
$14.00
Mean
$14.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-12 init Oppenheimer — → Perform —
2024-11-12 main Raymond James Outperform → Outperform $16
2024-01-17 init Raymond James — → Outperform $15
News
RSS: Latest ACIC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-02 GRIFFITH CHRISTOPHER Chief Operating Officer — 14,294 — —
2026-04-02 ADLER BROOKE Officer — 12,509 — —
2026-04-02 CASTLE SVETLANA Chief Financial Officer — 9,829 — —
2026-04-02 GRAY JAMES ANDY Officer — 9,829 — —
2026-04-02 MARTZ BRAD Chief Executive Officer — 25,903 — —
2026-03-20 DAVIS KERN MICHAEL Director — 200 $11.05 $2,210
2026-03-19 DAVIS KERN MICHAEL Director — 800 $11.12 $8,944
2026-03-04 DAVIS KERN MICHAEL Director — 1,400 $11.71 $16,394
2025-12-31 ADLER BROOKE Officer — 16,779 $0.00 $0
2025-11-10 GRIFFITH CHRISTOPHER Chief Operating Officer — 18,409 $11.86 $218,331
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
335.00
+13.01%
296.44
+12.42%
263.68
+19.43%
220.78
Operating Revenue
335.00
+13.01%
296.44
+12.42%
263.68
+19.43%
220.78
Selling General And Administration
23.62
-24.73%
31.37
+13.79%
27.57
-13.83%
32.00
General And Administrative Expense
23.62
-24.73%
31.37
+13.79%
27.57
-13.83%
32.00
Salaries And Wages
10.48
-30.77%
15.14
+11.18%
13.62
+0.29%
13.58
Other Gand A
13.14
-19.09%
16.23
+16.33%
13.96
-24.24%
18.42
Other Operating Expenses
-2.53
-19.98%
-2.11
+13.89%
-2.45
+75.65%
-10.05
Total Expenses
192.27
-1.29%
194.78
+16.22%
167.60
-23.51%
219.10
Reconciled Depreciation
6.57
-25.93%
8.87
-16.53%
10.63
-54.42%
23.31
EBIT
153.55
+35.10%
113.66
+6.26%
106.95
+858.03%
11.16
Total Unusual Items
-4.50
0.00
+100.00%
-0.20
+91.52%
-2.36
Total Unusual Items Excluding Goodwill
-4.50
0.00
+100.00%
-0.20
+91.52%
-2.36
Special Income Charges
-4.50
0.00
+100.00%
-0.20
+91.52%
-2.36
Other Special Charges
4.50
—
0.20
-91.52%
2.36
Net Income
106.84
+41.10%
75.72
-75.57%
309.91
+165.96%
-469.86
Pretax Income
142.73
+40.40%
101.66
+5.81%
96.08
+5615.65%
1.68
Net Non Operating Interest Income Expense
-10.81
+9.84%
-12.00
-10.31%
-10.88
-14.68%
-9.48
Interest Expense Non Operating
10.81
-9.84%
12.00
+10.31%
10.88
+14.68%
9.48
Net Interest Income
-10.81
+9.84%
-12.00
-10.31%
-10.88
-14.68%
-9.48
Interest Expense
10.81
-9.84%
12.00
+10.31%
10.88
+14.68%
9.48
Other Income Expense
-0.44
-99.09%
-0.22
+68.93%
-0.71
-341.64%
0.29
Tax Provision
35.94
+41.83%
25.34
+132.99%
10.88
-58.54%
26.23
Tax Rate For Calcs
0.00
+1.20%
0.00
+120.35%
0.00
-46.19%
0.00
Tax Effect Of Unusual Items
-1.13
0.00
+100.00%
-0.02
+95.44%
-0.50
Net Income Including Noncontrolling Interests
106.84
+41.10%
75.72
-75.57%
309.91
+165.94%
-469.97
Net Income From Continuing Operation Net Minority Interest
106.80
+39.93%
76.32
-10.43%
85.20
+448.61%
-24.44
Net Income From Continuing And Discontinued Operation
106.84
+41.10%
75.72
-75.57%
309.91
+165.96%
-469.86
Net Income Continuous Operations
106.80
+39.93%
76.32
-10.43%
85.20
+447.03%
-24.55
Net Income Discontinuous Operations
0.04
+106.99%
-0.60
-100.27%
224.71
+150.45%
-445.41
Minority Interests
—
0.00
0.00
-100.00%
0.11
Normalized Income
110.16
+44.34%
76.32
-10.61%
85.38
+478.16%
-22.58
Net Income Common Stockholders
106.84
+41.10%
75.72
-75.57%
309.91
+165.96%
-469.86
Diluted EPS
—
1.54
-77.94%
6.98
+163.98%
-10.91
Basic EPS
—
1.59
-77.64%
7.11
+165.17%
-10.91
Basic Average Shares
—
47.83
+9.71%
43.60
+1.26%
43.05
Diluted Average Shares
—
49.36
+11.21%
44.39
+3.10%
43.05
Diluted NI Availto Com Stockholders
106.84
+41.10%
75.72
-75.57%
309.91
+165.96%
-469.86
Amortization
2.44
-7.69%
2.64
-18.69%
3.25
+0.00%
3.25
Depreciation And Amortization In Income Statement
6.57
-16.06%
7.83
+54.07%
5.08
-38.13%
8.21
Depreciation Income Statement
4.13
-20.33%
5.18
+183.02%
1.83
-63.08%
4.96
Loss Adjustment Expense
47.58
-33.21%
71.23
+47.43%
48.31
-49.73%
96.11
Net Policyholder Benefits And Claims
47.58
-33.21%
71.23
+47.43%
48.31
-49.73%
96.11
Policyholder Benefits Ceded
-43.84
-127.72%
158.14
+104.84%
77.20
-88.42%
666.96
Policyholder Benefits Gross
3.73
-98.37%
229.37
+82.74%
125.51
-83.55%
763.07
Rent Expense Supplemental
—
0.22
-69.57%
0.72
-18.58%
0.89
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,072.73
-11.79%
1,216.11
+14.47%
1,062.38
-62.56%
2,837.50
Cash Cash Equivalents And Short Term Investments
311.81
-25.41%
418.04
+50.74%
277.32
+0.63%
275.58
Cash And Cash Equivalents
198.76
+45.04%
137.04
-1.36%
138.93
+95.94%
70.90
Other Short Term Investments
113.05
-59.77%
281.00
+103.05%
138.39
-32.39%
204.68
Receivables
204.65
-33.98%
309.98
-19.85%
386.74
-53.73%
835.85
Accounts Receivable
198.65
-35.92%
309.98
-19.85%
386.74
-53.73%
835.85
Prepaid Assets
109.70
-31.82%
160.89
+3.60%
155.30
+71.61%
90.50
Net PPE
0.72
-87.40%
5.74
+56.81%
3.66
-30.89%
5.29
Goodwill And Other Intangible Assets
62.95
-3.73%
65.38
-3.88%
68.02
-5.84%
72.25
Goodwill
59.48
+0.00%
59.48
+0.00%
59.48
+0.00%
59.48
Other Intangible Assets
3.47
-41.25%
5.91
-30.88%
8.55
-33.06%
12.77
Investments And Advances
342.05
+7.63%
317.80
+129.64%
138.39
-37.19%
220.34
Long Term Equity Investment
6.12
—
—
—
Total Liabilities Net Minority Interest
755.17
-22.98%
980.45
+9.72%
893.61
-70.41%
3,019.53
Payables And Accrued Expenses
179.62
+6.12%
169.27
+126.35%
74.78
-28.70%
104.89
Payables
179.62
+6.12%
169.27
+126.35%
74.78
-28.70%
104.89
Accounts Payable
179.62
+6.12%
169.27
+126.35%
74.78
-28.70%
104.89
Long Term Debt And Capital Lease Obligation
152.49
+0.10%
152.34
+1.95%
149.43
-0.41%
150.04
Long Term Debt
149.35
+0.22%
149.02
+0.22%
148.69
+0.22%
148.35
Long Term Capital Lease Obligation
3.13
-5.66%
3.32
+349.66%
0.74
-56.25%
1.69
Stockholders Equity
317.56
+34.76%
235.66
+39.64%
168.76
+192.71%
-182.04
Common Stock Equity
317.56
+34.76%
235.66
+39.64%
168.76
+192.71%
-182.04
Capital Stock
0.01
+0.00%
0.01
+0.00%
0.01
+25.00%
0.00
Common Stock
0.01
+0.00%
0.01
+0.00%
0.01
+25.00%
0.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
48.98
+1.16%
48.42
+3.04%
46.99
+8.04%
43.49
Ordinary Shares Number
48.76
+1.16%
48.20
+3.05%
46.78
+8.08%
43.28
Treasury Shares Number
0.21
+0.00%
0.21
+0.00%
0.21
+0.00%
0.21
Additional Paid In Capital
439.74
+0.74%
436.52
+3.02%
423.72
+7.10%
395.63
Retained Earnings
-114.51
+38.03%
-184.77
+22.16%
-237.39
+56.55%
-546.30
Gains Losses Not Affecting Retained Earnings
-7.24
+53.77%
-15.67
+8.58%
-17.14
+44.62%
-30.95
Treasury Stock
0.43
+0.00%
0.43
+0.00%
0.43
+0.00%
0.43
Minority Interest
—
0.00
0.00
0.00
Other Equity Adjustments
-7.24
+53.77%
-15.67
+8.58%
-17.14
+44.62%
-30.95
Total Equity Gross Minority Interest
317.56
+34.76%
235.66
+39.64%
168.76
+192.71%
-182.04
Total Capitalization
466.92
+21.38%
384.68
+21.18%
317.45
+1042.44%
-33.68
Invested Capital
466.92
+21.38%
384.68
+21.18%
317.45
+1042.44%
-33.68
Total Debt
152.49
+0.10%
152.34
+1.95%
149.43
-0.41%
150.04
Net Debt
—
11.98
+22.81%
9.76
-87.40%
77.45
Capital Lease Obligations
3.13
-5.66%
3.32
+349.66%
0.74
-56.25%
1.69
Net Tangible Assets
254.62
+49.53%
170.28
+69.02%
100.74
+139.62%
-254.28
Tangible Book Value
254.62
+49.53%
170.28
+69.02%
100.74
+139.62%
-254.28
Investments In Other Ventures Under Equity Method
6.12
—
—
—
Notes Receivable
6.00
—
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
71.03
-70.83%
243.51
+279.05%
-136.00
+21.44%
-173.11
Cash Flow From Continuing Operating Activities
71.03
-70.83%
243.51
+279.05%
-136.00
+21.44%
-173.11
Net Income From Continuing Operations
106.84
+41.10%
75.72
-75.57%
309.91
+165.94%
-469.97
Depreciation And Amortization
6.57
-25.93%
8.87
-16.53%
10.63
-54.42%
23.31
Other Non Cash Items
1.30
+594.12%
0.19
-86.29%
1.36
-79.36%
6.61
Stock Based Compensation
4.30
+68.92%
2.54
+93.10%
1.32
-5.04%
1.39
Deferred Tax
10.28
+535.03%
-2.36
-116.38%
14.44
-40.19%
24.14
Deferred Income Tax
10.28
+535.03%
-2.36
-116.38%
14.44
-40.19%
24.14
Operating Gains Losses
0.74
+190.58%
-0.82
+99.65%
-233.56
-1316.85%
19.19
Gain Loss On Investment Securities
0.41
+116.84%
0.19
-96.52%
5.47
-82.96%
32.08
Unrealized Gain Loss On Investment Securities
-5.00
-150.45%
-2.00
+30.79%
-2.88
-143.80%
6.58
Gain Loss On Sale Of PPE
—
—
-0.59
+95.44%
-12.89
Change In Working Capital
-54.85
-134.15%
160.62
+167.43%
-238.22
-213.43%
210.00
Change In Receivables
109.83
+43.60%
76.48
-89.90%
757.19
+218.11%
-641.08
Changes In Account Receivables
109.83
+43.60%
76.48
-89.90%
757.19
+218.11%
-641.08
Change In Prepaid Assets
53.27
+1015.08%
-5.82
+72.77%
-21.38
-109.83%
217.60
Change In Payables And Accrued Expense
-31.15
-131.56%
98.69
+320.18%
-44.83
+76.47%
-190.48
Change In Payable
-31.15
-131.56%
98.69
+320.18%
-44.83
+76.47%
-190.48
Change In Account Payable
-31.15
-131.56%
98.69
+320.18%
-44.83
+76.47%
-190.48
Change In Other Current Assets
1.56
-92.74%
21.53
+138.72%
-55.59
-1627.44%
-3.22
Change In Other Current Liabilities
-0.95
-124.26%
3.91
+104.02%
-97.28
-215.82%
84.00
Investing Cash Flow
0.62
+100.35%
-179.21
-6944.46%
-2.54
-101.07%
236.84
Cash Flow From Continuing Investing Activities
0.62
+100.35%
-179.21
-6944.46%
-2.54
-101.07%
236.84
Net PPE Purchase And Sale
-0.15
-604.55%
-0.02
-105.08%
0.43
-97.62%
18.19
Purchase Of PPE
-0.15
-604.55%
-0.02
+88.78%
-0.20
+93.57%
-3.05
Sale Of PPE
0.00
0.00
-100.00%
0.63
-97.04%
21.24
Capital Expenditure
-0.15
-604.55%
-0.02
+88.78%
-0.20
+93.57%
-3.05
Net Investment Purchase And Sale
-3.72
+97.92%
-179.19
-178.04%
229.60
+5.01%
218.65
Purchase Of Investment
-167.54
+22.05%
-214.94
-303.68%
-53.24
-50.13%
-35.47
Sale Of Investment
163.82
+358.27%
35.75
-87.36%
282.85
+11.31%
254.11
Net Business Purchase And Sale
4.50
0.00
+100.00%
-232.58
0.00
Purchase Of Business
0.00
0.00
+100.00%
-232.58
0.00
Gain Loss On Sale Of Business
0.33
+132.57%
-1.01
+99.58%
-238.44
0.00
Financing Cash Flow
-1.08
+92.19%
-13.84
-151.70%
26.77
+205.43%
-25.39
Cash Flow From Continuing Financing Activities
-1.08
+92.19%
-13.84
-151.70%
26.77
+205.43%
-25.39
Net Issuance Payments Of Debt
—
0.00
0.00
+100.00%
-4.44
Repayment Of Debt
—
0.00
0.00
+100.00%
-4.44
Long Term Debt Payments
—
0.00
0.00
+100.00%
-4.44
Net Long Term Debt Issuance
—
—
—
-4.44
Net Common Stock Issuance
0.77
-93.34%
11.62
-56.63%
26.79
0.00
Common Stock Dividend Paid
0.00
+100.00%
-24.10
0.00
+100.00%
-2.59
Cash Dividends Paid
0.00
+100.00%
-24.10
0.00
+100.00%
-2.59
Net Other Financing Charges
-1.85
-36.50%
-1.36
-5562.50%
-0.02
+99.87%
-18.36
Changes In Cash
70.56
+39.85%
50.46
+145.14%
-111.78
-391.60%
38.33
Beginning Cash Position
222.29
+29.36%
171.83
-39.41%
283.61
+15.63%
245.28
End Cash Position
292.85
+31.74%
222.29
+29.36%
171.83
-39.41%
283.61
Free Cash Flow
70.87
-70.89%
243.49
+278.77%
-136.20
+22.68%
-176.16
Interest Paid Supplemental Data
10.88
-15.09%
12.81
+17.77%
10.88
+13.84%
9.55
Income Tax Paid Supplemental Data
—
—
—
2.49
Amortization Of Securities
0.85
+13.98%
0.74
-26.04%
1.01
-82.11%
5.62
Common Stock Issuance
0.77
-93.34%
11.62
-56.63%
26.79
0.00
Issuance Of Capital Stock
0.77
-93.34%
11.62
-56.63%
26.79
0.00
Sale Of Business
4.50
0.00
0.00
—
SEC Filings

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